While payments service is being transformed by digital payments and mobility, lending is witnessing rise of new business models such as P2P lending, crowd-funding etc.

支付服务正经历由数字支付和移动支付而带来的变革的同时，贷款也兴起了P 2 P借贷、众筹融资等新的业务模式。

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"Chauncy is a top student who is doing his best to make it in a world with no money and very few resources," White explained on the crowd funding site.

“昌西是一名优秀学生，他在没有钱和资源的环境下尽全力生存。”怀特在众筹网站上解释道。

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"Chauncy is a top student who is doing his best to make it in a world with no money and very few resources." White explained on the crowd funding site.

“昌西是一名优秀学生，他在这个没有钱、资源也很少的世界里努力奋斗。”怀特在众筹网站上解释道。

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Both authors said crowd-funding removed the sense of isolation that often accompanies a large writing project.

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They explored a few different sites and services, and settled on crowd-funding site Kickstarter.

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The most typical crowd-funding relocation scenario, of course, involves a 20-something hoping to make it in showbiz.

WSJ: NYC Dreams, Funded by Friends